Delta SkyMiles Platinum Business
American Express$350 a yearNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
100,000miles
after $8,000 in purchases in the first 6 months
Once in a Lifetime Rule, 1 per 5 Days and 3 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus100,000 points at 1.1¢ | $1,100 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$13 |
| Credits you'll likely useof $350 face value | +$219 |
| Annual fee | −$350 |
| Meeting the $8,000 minimumearns 1.1% here vs 2% on Double Cash | −$72 |
| First year | $910 |
| Each year after | +$315 |
Not counted in the first year: anniversary certificates, other benefits and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 3X | Purchases made directly with hotels | 3.3% |
| 1.5X | Transitup to $100K per year | 1.7% |
| 3X | Delta purchases | 3.3% |
| 1.5X | US Shippingup to $100K per year | 1.7% |
| 1X | Everything else | 1.1% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 1.5X | Purchases of $5K or moreup to $100K per year | 1.7% |
Noteworthy perks
- Delta SkyMiles companion certificateArrives when you renew, after the first year
- Delta Stays$200 a year
- Rideshare$120 a year
- first checked bag free
Business card · Earns Delta SkyMiles · Authorized user fee $0
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (4)
- Rideshare: $10 (Monthly)
Statement credits for US rideshare purchases with select providers. Enrollment required
- Resy: $10 (Monthly)
Statement credits for eligible purchases at US Resy restaurants. Enrollment required
- Delta Stays: $200 (Annual Cardmember Year)
Statement credit for prepaid hotels or vacation rentals through Delta Stays per year
- Global Entry/TSA PreCheck: $120 (Every 4 Years)
Covers application fee. Credit applies automatically when charged to card.
Elite status (2)
- Delta SkyMiles: Annual $2.5K MQD headstart. Also earn $1 MQD for each $20 in purchases on the card.
- Hertz Gold Plus Rewards: Five Star
Protections (6)
- Trip Delay Insurance, up to $300, Up to $300 per covered trip when delayed 12+ hours, max 2 claims per card per 12 consecutive months
- Baggage Insurance, up to $1,250, Coverage for carry-on baggage up to $1,250 and checked baggage up to $500 per covered person, in excess of common carrier coverage
- Purchase Protection, up to $1,000, Up to $1,000 per occurrence, $50,000 per cardmember account per calendar year for theft or accidental damage
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by up to 1 additional year, up to $10,000 per item, $50,000 per account per calendar year
- Car Rental Insurance (secondary), up to $50,000, Secondary coverage up to $50,000 for rental car damage/theft
- Cell Phone Protection, up to $800, Up to $800 per claim, 2 claims per 12-month period, $50 deductible. Must pay monthly cell phone bill with the card. Excludes cosmetic damage.
Other Perks
- 15% off award flights booked with miles
- Annual companion certificate for domestic, Mexico, Caribbean, or Central American Main Cabin round-trip flights
- Zone 5 priority boarding
- First checked bag free
- Complimentary upgrades when available (after Medallion and Reserve members)
- 20% back on in-flight purchases as statement credit
The Delta SkyMiles Business family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from Limited Time Offer: 100K bonus miles after spending $8K in purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees)(Offer Expires 11/4/2026) to Limited Time Offer: 100K bonus miles after spending $8K in purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Offer Expires 11/4/2026)Oct 11, 2026
- changed from null to Delta Platinum BusinessOct 8, 2026
- changed from true to falseSep 26, 2026
- changed from Slug: delta-skymiles-gold-business-american-express-card; Tier: 1; Tier name: Gold Business; Slug: delta-skymiles-reserve-business-american-express-card; Tier: 3; Tier name: Reserve Business to Slug: delta-skymiles-reserve-business-american-express-card; Tier: 3; Tier name: Reserve BusinessSep 26, 2026
- changed from null to creditSep 2, 2026
- changed from 70K bonus miles after spending $6K in eligible purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees) to Limited Time Offer: 100K bonus miles after spending $8K in purchases on your new card in your first 6 months of card membership. Terms and limitations apply. (Rates & Fees)(Offer Expires 11/4/2026)Aug 27, 2026
- changed from 6000 to 8000Aug 27, 2026
- changed from null to 2026-11-04Aug 27, 2026
- changed from null to 6000Aug 13, 2026
- changed from null to 180Aug 13, 2026